The entire payment for the mortgage will be included in your DTI. They won't deduct half.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@tatum4315 wrote:My wife and I are both working and both on the home mortgage. When qualifying for auto loan for myself only, do I have to factor in the full amount of mortgage, inc. taxes and insurance, or can I claim half the payment?
Thanks, Tatum
Hi! You may check with a CU and ask them to quote you both an individual auto loan, and one that is joint with your wife. If there are credit blemishes on her report, they may not matter, as some Credit Unions only use the score of the primary applicant when determining the rate.
Best of luck!
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
